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Andbank Conservador

Optimize
Annual Rebalancing
EUR
Low Risk
3.8yr backtest

Performance Summary

Total Return+23.50%
Annualized Return+5.67%
Volatility+1.73%
Sharpe Ratio2.12
Max Drawdown+4.17%

Holdings

Asset Allocation

Asset Class

Bonds 100.0%
Holdings Details
A diversified bond portfolio with 91% fixed income allocation across global, short-term, and Nordic corporate bonds for stable returns.
AssetTypeAllocationTER
IE00BFZMJT78
NB ULTRA SHORT TERM EN CASHIE00BFZMJT78
FUND
10.0%0.25%
ES0140072002
Ábaco Renta Fija Mixta Global I FIES0140072002
FUND
10.0%1.35%
ES0138922069
Gesconsult Corto Plazo I FIES0138922069
FUND
10.0%0.5%
ES0160924017
March Renta Fija Flexible A FIES0160924017
FUND
10.0%0.85%
LU2023201044
Pareto Nordic Cross Credit H I EURLU2023201044
FUND
10.0%0.75%
LU0840158900
Storm Fund II - Storm Bond Fund IC EURLU0840158900
FUND
9.0%1%
IE000VA5W9H0
MAN GLG Global Investment Grade Opportunities I H EUR AccIE000VA5W9H0
FUND
9.0%0.45%
ES0116567035
CARTESIO X ES0116567035
FUND
9.0%1.5%
LU1623762926
Carmignac Pf Credit Income A EURLU1623762926
FUND
9.0%1.2%
IE00BK1KH528
Algebris UCITS Funds plc - Algebris IG Financial Credit Fund I EUR AccIE00BK1KH528
FUND
5.0%0.6%
LU1269891641
Candriam Bonds Global High Yield Class R EUR CapLU1269891641
FUND
5.0%1.2%
LU1670631958
M&G (Lux) Emerging Markets Bond Fund C EUR AccLU1670631958
FUND
4.0%0.75%
Total100.0%0.86%

Performance

Portfolio Value Over Time
Starting with 10,000 investment → now worth €12,350.03
Histogram of Monthly Returns
The portfolio had a positive return during 38 of the 47 months (81%)
Monthly Returns Heatmap
Best month: +2.2% • Worst month: -2.6% • Best year: 2023 (+8.9%) • Worst year: 2022 (+0.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.7%+0.7%-1.6%+0.9%+0.3%-------+0.9%
2025+0.7%+0.9%-0.6%+0.0%+0.8%+0.6%+0.7%+0.4%+0.4%+0.4%+0.2%+0.3%+4.9%
2024+0.7%-0.1%+1.0%-0.1%+0.9%+0.5%+1.2%+0.6%+0.8%-0.1%+0.7%+0.1%+6.3%
2023+2.1%+0.0%-0.4%+0.6%+0.3%+0.3%+1.1%+0.3%+0.2%-0.1%+2.0%+2.2%+8.9%
2022------+1.1%-0.4%-2.6%+0.5%+2.1%+0.0%+0.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +4.17% • The longest drawdown period lasted for 4 months and was between August 2022 and January 2023. It reached a trough of -4.2%.

Detailed Metrics

Returns
Total Return
+23.50%
Annualized Return
+5.67%
Avg Monthly Return
+0.45%
Risk
Volatility (Annual)
+1.73%
Max Drawdown
+4.17%
Positive Months
81%
Average Drawdown
-0.6%
Risk-Adjusted
Sharpe Ratio
2.12
Risk-free rate: 2.0%
Sortino Ratio
1.99
Downside risk adjusted
Return/Volatility
3.28
Calmar Ratio
1.36
Return/Max Drawdown
Ulcer Index
0.87
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
10,000
Final Value
12,350.03
Backtest Period
2022-07-08 to 2026-05-07
3.8 years
Rebalancing
annual
Base Currency
EUR